EFG Hermes Holding S.A.E.

What EFG Hermes Holding S.A.E. does

EFG Holding S.A.E. (operating through the EFG Hermes brand) is a Cairo-headquartered diversified financial institution that has evolved over four decades from a regional investment bank into a universal financial group. The firm operates two principal divisions: an Investment Bank (EFG Hermes) spanning investment banking, securities brokerage, asset management, private equity, research, and conferences; and a Non-Banking Financial Institutions (NBFI) platform encompassing Bank NXT (a 51%-owned Egyptian commercial bank, formerly aiBANK, rebranded September 2024), Valu (a consumer-finance fintech now listed on the Egyptian Exchange), Tanmeyah (microfinance), Bedaya (mortgage finance, joint venture with GB Corp and TMG), EFG Corp-Solutions (leasing and factoring), Kaf (insurance), and EFG EV Fintech (a micro-VC joint venture established in 2017 with Egypt Ventures).

The company serves institutional investors, corporate clients, retail investors, and micro/small enterprises through on-ground presence in nine jurisdictions (Egypt, UAE, Saudi Arabia, Kuwait, Bahrain, Pakistan, Kenya, Nigeria, and the UK), reaching what it describes as 75 global markets. Its technology footprint is anchored by the EFG Hermes ONE mobile app, which provides retail investors access to mutual funds (money market, USD fixed income, gold, equity, and Sharia-compliant equity) and capital markets products, and by Valu's digital consumer-finance stack.

EFG Holding's revenue model combines transaction-based fees (investment banking advisory and underwriting, securities brokerage, private equity realizations) with recurring/subscription-style income (asset management mandates, commercial banking, NBFI products such as microfinance, leasing, factoring, insurance premiums, and subscription-based research). Distribution operates through enterprise field sales for institutional and corporate mandates, the self-serve ONE app for retail, and dedicated subsidiary networks for NBFI offerings. The firm is described as the top MENA ECM advisor and the leading investment bank in MENA, with the first ISO 22301:2012 business continuity certification among MENA investment banks (BSI, January 2017).

Name

EFG Hermes Holding S.A.E.

Legal name

EFG Holding S.A.E.

Website

https://efghermes.com

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

EFG Holding S.A.E. is a Cairo-based diversified financial institution operating a leading MENA investment bank (EFG Hermes) alongside a universal Egyptian commercial bank (Bank NXT), a listed consumer-finance fintech (Valu), and an NBFI platform spanning microfinance, mortgage, leasing, factoring, and insurance across nine countries.

Ownership category

akta.pro rank

Product category

Investment Banking

NAICS

Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523), Finance and Insurance (52)

SIC

Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)

akta.pro primary industry

Capital Markets Advisory (IPO Readiness, SPAC, ECM/DCM Advisory) (BPAHAOAL)

akta.pro secondary industries

Equity Capital Markets Advisory (Equity Issuance Strategy & Readiness) (FSACAAAI), Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE), Debt Advisory & Financing Advisory (FSAEAGAD), Corporate Finance & Capital Advisory (BPAHADAB)

Keywords

• Investment banking services
• Securities brokerage
• Asset management
• Commercial banking
• Non-bank financial services

Headquarters

HQ city

Cairo

HQ country

Egypt

HQ region

Africa

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Investment Banking: Advisory, underwriting, and capital markets services for IPOs, M&A, and strategic transactions across MENA markets. EFG Hermes is the top MENA ECM advisor.
2. Securities Brokerage: Leading brokerage house serving both institutional and retail clients in MENA with on-ground presence in multiple countries
3. Asset Management: Conventional and Sharia-compliant mandates with products tailored to varying investor objectives and risk appetites
4. Private Equity: Established track record spanning more than two decades in private equity investments across MENA
5. Commercial Banking: Through Bank NXT (formerly aiBANK), providing universal banking services in Egypt
6. Non-Banking Financial Services: Microfinance (Tanmeyah), mortgage (Bedaya), leasing and factoring (EFG Corp-Solutions), insurance (Kaf), and financial technology (Valu)
7. Research: Award-winning research covering equities, macro, strategy, and index research across hundreds of stocks and numerous geographies

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

EFG Hermes is a MENA-focused investment bank and financial services group providing investment banking advisory and underwriting, securities brokerage, asset management, private equity, equity research, and research conferences. Through subsidiaries it operates Bank NXT (a universal bank in Egypt), a leading NBFI platform offering microfinance, mortgage finance, leasing, factoring, and insurance, and fintech platforms including Valu (consumer finance) and EFG Hermes ONE (digital trading).

Product overview

EFG Hermes Holding S.A.E. is a financial institution with a universal bank in Egypt (Bank NXT) and the leading investment bank in the Middle East and North Africa (MENA). The company operates a diversified platform structured around two main divisions: The Investment Bank (EFG Hermes) encompassing Investment Banking, Securities Brokerage, Asset Management, Private Equity, Research, and Conferences; and NBFI (Non-Banking Financial Institutions) encompassing Bank NXT (commercial banking), Valu (fintech), Bedaya (mortgage finance), Tanmeyah (microfinance), EFG Corp-Solutions (leasing and factoring), Kaf (insurance), and EFG EV Fintech (micro-VC). EFG Hermes ONE serves as the digital platform for retail brokerage and mutual fund distribution. The platform is further supported by a digital app enabling retail investors access to capital markets products.

Differentiator

Problem solved

Functional benefit

Brands

• EFG Hermes ONE: Digital investment platform offering mutual funds, trading, and investment products for retail investors in Egypt.
• Valu
• Bank NXT
• Kaf
• Tanmeyah
• EFG Corp-Solutions
• EFG EV Fintech

Products and services

• Investment Banking Advisory and capital markets services including equity and debt underwriting, M&A advisory, and restructuring, delivered to corporate, institutional, and sovereign clients across MENA.
• Securities Brokerage Execution of equity and fixed income trades across MENA markets for institutional and retail clients, supported by an award-winning equity research product.
• Asset Management Management of pooled investment vehicles and mandates on behalf of institutional and retail investors across regional and international markets.
• Private Equity Private equity investment management and fund placement across MENA-focused opportunities, alongside co-investors and institutional limited partners.
• Equity Research Country- and company-level equity research coverage across MENA, recognized with multiple industry awards, sold to institutional and retail clients.
• Bank NXT (Universal Bank in Egypt) Licensed Egyptian universal bank offering retail, corporate, and digital banking products and services, including deposits, payments, lending, and self-service channels.
• EFG Hermes ONE Mobile Trading App Mobile self-directed trading platform for retail investors to execute trades across MENA-listed equities through the group's brokerage franchise.
• Valu (Consumer Finance Fintech) Consumer and merchant finance super-app offering installment-based purchase financing and related consumer finance products to individuals and merchants in Egypt.
• Tanmeyah (Microfinance) Microfinance lending products targeted at micro and small enterprises and low-income individuals in Egypt who lack access to traditional bank credit.
• Bedaya (Mortgage Finance) Mortgage finance products for residential property buyers in Egypt, distributed through the NBFI arm of the group.
• Kaf (Insurance) Insurance products offered to individuals and businesses as part of the group's NBFI platform in Egypt.
• EFG Corp-Solutions (Leasing and Factoring) Leasing and factoring products for corporate and SME clients in Egypt, delivered through a digital platform.
• EFG EV Fintech (Micro Venture Capital) Micro venture capital investments into early-stage Egyptian startups, operated within the group's fintech portfolio.

Quantifiable outcome

• Top MENA ECM advisor with leading market position
• +1 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• WegocoreStrategic or Co-development Partner · 20 July 2026Valu and Wego formed strategic partnership to enhance travel accessibility through flexible payment solutions.
• MNT-HalancoreChannel Partner/ Reseller/ Distributor · 25 June 2026EFG Hermes working with Citigroup as advisors for MNT-Halan's potential IPO on the Egyptian Exchange, with preliminary investor meetings held and potential transaction valued at USD 900 million to USD 1 billion.
• Palm Hills DevelopmentscoreChannel Partner/ Reseller/ Distributor · 4 February 2026EFG Hermes acted as sole financial advisor, bookrunner, and underwriter for Palm Hills Developments' EGP 2.015 billion securitized bond issuance, the first under a EGP 30 billion securitization program.
• BostacoreChannel Partner/ Reseller/ Distributor · 2 February 2026EFG Hermes serves as lead manager for Bosta's planned IPO on the Egyptian Exchange, valued at approximately EGP 8bn ($160m-$170m), with the company floating 20-30% of equity.
• Citigroup Inc.coreChannel Partner/ Reseller/ DistributorJoint advisory partnership with Citigroup for MNT-Halan's potential IPO on the Egyptian Exchange.
• Bank NXT (formerly aiBANK)coreStrategic or Co-development PartnerBank NXT (formerly aiBANK), 51% owned by EFG Holding, rebranded in September 2024 as part of strategic transformation in Egypt's commercial banking sector.
• GB CorpminorStrategic or Co-development PartnerJoint venture partner for Bedaya mortgage finance alongside TMG (The Map Group).
• TMG (The Map Group)minorStrategic or Co-development PartnerJoint venture partner for Bedaya mortgage finance alongside GB Corp offering mortgage finance for TMG developments.
• National Bank of EgyptminorChannel Partner/ Reseller/ DistributorParticipated as underwriter and subscriber for Palm Hills Developments securitization issuance.
• Suez Canal BankminorChannel Partner/ Reseller/ DistributorParticipated as underwriter and subscriber for Palm Hills Developments securitization issuance.
• Arab Banking CorporationminorChannel Partner/ Reseller/ DistributorParticipated as underwriter and subscriber for Palm Hills Developments securitization issuance.
• Emirates NBDminorChannel Partner/ Reseller/ DistributorParticipated as underwriter and subscriber for Palm Hills Developments securitization issuance.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Emirates NBD: UAE-headquartered banking group with material investment banking, brokerage, and asset management operations in MENA. Comparable to EFG Hermes as a regional universal financial institution competing on ECM mandates, brokerage, and wealth management across the GCC.
• First Abu Dhabi Bank (FAB): UAE's largest bank with a full investment banking and securities platform covering MENA. FAB competes directly with EFG Hermes on ECM league tables, brokerage, and cross-border M&A advisory, and serves similar institutional and corporate client segments.
• Mashreq: UAE-headquartered bank with a significant capital markets, brokerage, and investment banking franchise across MENA and South Asia. Comparable to EFG Hermes in regional ECM participation, securities brokerage footprint, and corporate banking coverage.
• GFH Financial Group: Bahrain-based investment bank with asset management, private equity, and investment banking activities across the GCC and wider MENA. Closely comparable in business mix to EFG Hermes' investment bank division, particularly in private equity and Sharia-compliant mandates.
• Gulf International Bank (GIB): Bahrain-headquartered wholesale bank owned by GCC governments, focused on investment banking, asset management, and advisory across MENA. Directly comparable to EFG Hermes on regional ECM and M&A advisory mandates for sovereign and corporate clients.
• Abu Dhabi Commercial Bank (ADCB): UAE universal bank with investment banking and brokerage activities serving MENA institutional and corporate clients. Comparable to EFG Hermes in combining retail/commercial banking with capital markets and advisory services.
• National Bank of Kuwait (NBK): Kuwait-headquartered bank with NBK Capital providing investment banking and brokerage across MENA. Comparable to EFG Hermes in combining regional banking strength with dedicated investment banking and asset management subsidiaries.
• Saudi National Bank (SNB): Saudi Arabia's largest bank following the Samba merger, with a sizeable investment banking and brokerage platform competing for top-tier MENA ECM mandates. Closely comparable to EFG Hermes in scale of MENA franchise, ECM league-table presence, and corporate banking.

Broad incumbents

• HSBC Holdings (MENA operations): Global universal bank with deep MENA presence across investment banking, wealth, and commercial banking. Competes with EFG Hermes on cross-border ECM and M&A mandates and serves overlapping institutional clients across the region.
• JPMorgan Chase (MENA operations): Global bulge-bracket bank with an expanding MENA investment banking franchise. Competes directly with EFG Hermes on landmark ECM and M&A mandates and represents the global incumbent benchmark against which EFG Hermes' MENA league-table position is measured.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/efghermes
• YouTubeyoutube.com/@EFGHolding
• Facebookfacebook.com/EFGHermes
• LinkedInlinkedin.com/company/efg-hermes
• Instagraminstagram.com/efgholdingofficial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries9 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments17 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EFG Hermes Holding S.A.E.